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1.
Can we pull credit reports for member service products such as debit cards, checking accounts, membership requests?
Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.
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2.
A member came in and cashed an inhouse check on another membership, but when I look at the LTLAU2 teller closing report I only see the account # for the checking account on which the check was drawn, not the account of the person who actually came into the lobby and presented it. What's the easiest way to find that?
Here is a more efficient method to discover the account number you’re looking for than searching through actual receipts: Access the Teller Audit dashboard via the Drawer Control/Audit button in Teller Posting. Look for the in-house check you posted and use the Show Alternate View button so you can see the Receipt ID (appears in the second column). Look at the other transactions under that same Receipt ID (there’s a field you can use to filter by this ID). At least one of the other More...
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3.
Is there a way to code a member's account in CU*BASE so that it is excluded from membership tapes/files that are sent third parties like Liberty Mutual or CUNA?
There are two ways to accomplish this: The first way is to use the Marketing Opt-Out flags on the member's MASTER record. Introduced in the CU*BASE 9.2 release (August 2009), these are two flags that can be checked to exclude the member from third-party marketing communications and/or CU-related marketing commnunications. See the Opt Out link below to read more about the use of these flags. When creating a database file using Member Connect tools, or the CU*BASE List Generator, or even t More...
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4.
How can I change a membership account from an individual (MI) to an organizational (MO) type?
To change a membership from individual to organizational (or vice versa): Launch Tool #3 Open/Maintain Memberships/Accts” Enter the account base and click Update Membership/Account Info Check the Membership information flag (if you also need to do joint owner maintenance, you can check that flag now as well), then press Enter or click Go to proceed Click Unlock Fields Click Chg to Orgn or Chg to Indv Click the lookup button next to the Designation field and choose the appropriate designat More...
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5.
I reinstated a member in the Work with Dormancy tool, adjusting the last tran date on the member's account at the same time. I thought that the next day the member would show as dormant again. But it's still showing suspended. What should I check?
Dormancy on a membership considers the entire membership, so any activity on any of the sub-accounts will suspend it from dormancy. If there is more than one account with recent activity, all accounts would need to be adjusted to remain in dormancy. Make sure the Last contacted date hasn't been changed on the member's account. This is used to record when a member contacts the CU about keeping their account active, without performing an actual transaction. (Use Tool #15 Update Members More...
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6.
What are all the possible messages that will appear during the closed account/membership process?
At the Membership Level we first check to ensure that there are no OTB relationships (Could be an OTB Card or OTB Account). One the following messages may appear (the following are all hard stops, meaning the account cannot be closed until these are taken care of): Membership attached to CRDT type OTB account Membership attached to LOAN type OTB account Membership attached to SAVE type OTB account We will also check to ensure that no batch/online cards are attached to the membership. One of the More...
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7.
Can I use the Debit Card Round Up feature to transfer round-up funds to our credit union's internal membership account, if a member wanted to use round up money for charitable contributions? If so, will the member be able to see our credit union's member account # on their statements and in online banking?
Yes, you can designate your credit union's own savings (or checking) account number to receive round-up funds when setting up a member's round-up transfers, if you wish. 1. Launch Tool #14 Member Personal Banker for a member who wants to participate 2. Select the Debit Card Roundup enrollment button and double click on the member's desired suffix 3. Enter in your credit union's internal account for the account to which you'd like the round-up funds transferred (this accou More...
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8.
How can I check on which offset GL was used for an account adjustment performed earlier today, if I can't wait until everything is posted to the GL overnight?
Account adjustments that have not yet been posted to the GL can be reviewed using Tool #381 General Transaction Register , or Tool #493 Member Account Adjustment Report . You can enter a single account base to get just the items posted to that membership, or run the report by employee ID to find all adjustments a particular employee posted.
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9.
How do I change the Reason Codes on a closed saving, checking, or loan account?
You can use Tool #902 Update Membership/Account Reason Codes to update the following: You can change the Membership Open Reason Code on a current, active membership (alters the NEWACT field on MASTER). You can change the Membership Closed Reason Code on a closed membership (alters the NEWACT field on MSHIST). You can change the Account Open Reason Code on a current, active sub-account (alters the RSNCDEOPN field on MEMBERx). You can change the Account Closed Reason Code on a closed sub-account More...
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10.
How can I redeem a savings bond without cutting a misc. check? Non-members have no account in which to deposit the funds, and my auditor wants me to limit how many employees are able to cut misc. checks.
The best technique, for both members and non-members, is to use the Misc. Advances feature in Tool #1 Teller Line Posting . You'll need to configure a misc. expense/advance posting code ( Tool #534 Misc. Posting Codes Configuration ) for the GL associated with your savings bond redemptions. Then after you've entered the details of the savings bond redemption via the savings bond feature ( Tool #913 Update Savings Bond Information ), a teller would use the Misc. Advance proc code to post More...
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11.
I have a husband and wife who both receive Social Security payments to the same membership. Now that CU*BASE uses the new way of handling ACH transactions from the SSA, these are causing duplicate distributions to be posted. What should I do if my members still wish for them to be separate transactions?
With the 16.10 release a new cross-reference system was implemented that automatically funnels all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” In cases where the Depositor ID is the same, for example a husband and wife, these ACH transactions will be handled by the same master ACH distribution record under the Depositor ID since duplicate Depositor IDs are no More...
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12.
Can I set up individual and organizational trusts differently using the Membership Designation codes?
Yes. In fact, that is the way we are now recommending you configure your codes and set up your member accounts. This not only makes it easier to track the different types of trusts, but more importantly, makes the field labels make more sense for your member service staff. Create a new Membership Designation Code (such as TO ) to be used only for Organizational trust accounts. The label for primary name would be Trust name and the label for joint owner name would be Trustee. Check only More...
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13.
How do I print a denial notice for non-lending (member service) related applications such as ATM/Debit card applications or Home Banking membership applications?
The Member Service Denials feature (to create/print denial notices) can be accessed via a Denied button located within Tool #3 Open/Maintain Memberships/Accounts. A credit union can configure miscellaneous member service denial notice types such as: ATM/Debit Card application denials, checking account denials, membership application denials, etc. These member service denials are commonly used for denied services that would not involve a loan application/request.
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14.
Is there a way to put a supervisor override on a member account without actually freezing the account? I have some members on a repayment plan and want the teller to contact a supervisor before serving the member.
The freeze codes themselves are designed when you want to control the member's access to the funds in his or her account. But if you want to control whether an employee can access or post transactions on a particular membership, you should check into Employee Account Security and/or Employee Type Codes . These can stop a member from making a transaction at the teller line until the appropriate employee could give access to the account, but wouldn’t stop the member from using self More...
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15.
Can the CU*BASE dormancy/escheat system automatically take care of pulling funds out of accounts eligible for escheating?
The dormancy tool does not do this, although it is possible to create automated transfer (AFT) records to move funds from member accounts according to whatever policies and procedures your credit union wants to use. Keep in mind that our dormany and escheat monitoring system works at the entire membership level, not individual accounts (in other words, it's about membership dormancy, not account inactivity). Likewise, when the system uses your escheat settings to flag an account as escheat More...
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16.
What accounts can I open early during a manual merger?
Memberships, shares, checking and loan accounts can be opened prior to merger live day. Your Merger Coordinator can provide you with a timeline that lists the time required to open each account type as well as maintain additional information such as joint owners, comakers, and collateral. The timeline will also show the total man-hours required to open all memberships, shares, sub shares, checking, certificate and loan accounts. Even though loan accounts will have a zero balance, they will no More...
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17.
What factors could prevent an account from automatically running an OFAC scan or Blocked Persons scan during new membership enrollment?
Follow this practice when setting up or opening a new branch or when merging credit unions. In Tool #1004 Workflow Controls: Opening Memberships/Accts , check the OFAC scan box on the second configuration screen. Unless this is checked, no automated scan will be run at membership open. The Check blocked persons file box on this screen automates the running of the blocked persons scan NOTE: To copy these all settings to all the other branch locations, save the changes and then use Copy to A More...
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18.
How does the new membership denial of service fraud block list work? Is the employee blocked from opening a new membership for the member? What happens when a match is made to an entry on the new membership denial of service fraud block list?
You can add an entry to the new membership fraud block list as an individual or organization. This fraud block list is different than other service denial lists in that it allows you to enter a name on the list without a Social Security Number. See more about the rules for adding a name to the new membership list in the other topic linked to this Answer Book item. This fraud block list is designed as a supplement to the “Deny Membership” check box available on the non-member recor More...
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19.
How do I charge off a base share (000) account so that I can take a loss on an overdrawn account? I understand that I cannot use Tool #201 (Charge Off Savings/Checking) to charge off the base share account.
In order to take a loss on an overdrawn base share (000) account (closing the entire membership), do the following: First, using Tool #492 Member Account Adjustment (Full) , make an adjustment to zero out the balance for the amount of the loss and assign it to the general ledger account associated with this type of loss, per your credit union policies and procedures. Then close the membership using Tool #22 Close Memberships/Accounts . Per your credit union policies and procedures, you may More...
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20.
What commands are available in text banking?
Keywords are not case sensitive. For example, you can type either help or HELP or even Help and you'll get the same result. BAL Reponses to BAL include the available balance on three savings accounts/and or checking accounts. Member Text: BAL Text Response: xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99. Reply HELP for help. Msg Data Rates May Apply. If multiple memberships are enrolled with the same phone, the response will ask you to specif More...
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21.
What features does It's Me 247 Mobile Web Banking offer?
Members can perform the following tasks while in Mobile Web Banking: Check account balances of savings, checking, certificate, credit card and loan accounts (both available and current balances). View transaction history for these accounts. View funds on hold for savings and checking accounts View pending authorizations for credit cards (if they exist) Transfer funds to other accounts (as allowed by standard online banking) View if a check has cleared (cancelled checks) View pending ACH transac More...
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22.
What columns/fields, files/tables, and programs are included in the File Maintenance Inquiry "Critical Monitoring?"
When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why More...
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23.
How does the dormancy program evaluate the members in the file to suspend account(s)?
The program looks at your configurations and uses the following criteria when evaluating which accounts should be suspended from dormancy based on how your configuration is set up. Monitoring for dormancy status occurs every day during end-of day processing. A member is considered dormant only after passing through the following verifications every day: If the Last contact date on the member’s MASTER record is less than the configured dormancy period, the membership will not be considered More...
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24.
A member did not get either an October or November statement, but his December statement showed a range of 12/1 to 12/31, not 10/1 to 12/31 as I would have expected. Can you explain?
In this particular member's situation there was no activity in either October or November that triggered a statement. The credit union's quarterly (and year-end) statements are configured to produce a statement for every member, regardless of activity level, but monthly statements are more restrictive in an attempt to save postage costs, and not every member gets a statement every month. NOTE: CU*BASE statements have a considerable number of configuration options that allow credit unio More...
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25.
What happens to my joint owner links when I close a member account that was used as a joint owner (or beneficiary)?
When a membership is closed, the system will check to see if that member account was linked to any other accounts as a joint owner, beneficiary, IRA beneficiary, or additional signer. If so, a non-member record will be created automatically and the links will be to that non-member record. NOTE TO NEWLY-CONVERTED CUs: During the original conversion of your joint owner data to the new Secondary Names file, some of your joint owner links may have been made to closed member files, in cases where More...
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